For graphics cards, I always simply look at the most-recent "Best Graphics Cards for the Money" from Tom's Hardware. Pick your budget, and they'll tell you which card is best for that money.
http://www.tomshardware.com/reviews/gaming-graphics-card-review,3107.htmlFor your crashes, could be a lot of things and generally takes a bit of knowhow to chase down and fix.
Overheating -- check that all of your fans are running and that cooling fins aren't clogged with fluff. Blow things out with canned air. Get software to check your CPU and GPU temperature (such as this:
http://www.cpuid.com/downloads/hwmonitor/1.23-setup.exe ). Make sure your CPU and GPU aren't running at 100 C or something large like that.
Flaky power supply -- maybe, but I doubt it. I think it would be more likely that if your PSU is going bad, you would have more trouble than just an occasional crash. At any rate, if you run HWMonitor, it can show you voltages and log them, so that you can see if there is a dip somewhere preceding a crash.
Memory not seated correctly or memory going bad. Unlikely, but possible. Try testing your RAM: opening a cmd window and running mdsched. Or get memtest:
http://www.memtest.org/#downisoMake sure you have the latest drivers for everything (including graphics card).
Uninstall software that you never ever use (in case any buggy crapware is running in the background causing trouble, like old punkbuster).
If nothing else works, I'd try a fresh install of the OS and applications.